Horizon Guarantee™
Providing guaranteed death benefit protection at a cost-effective
level premium

Horizon Guarantee™, participating whole life insurance, provides a guaranteed death benefit at a guaranteed level premium that's often lower than other whole life premiums. It's a good choice for anyone whose first priority is death benefit protection and growth of cash value is of secondary importance. While Horizon Value is designed to build guaranteed cash value fast, Horizon Guarantee takes a different approach. Its guaranteed cash value and non-guaranteed dividends build in later years and can be used later to supplement income in retirement, offset premiums, or for any reason you choose.

Guaranteed death benefit at a cost-effective guaranteed level premium, PLUS:

  • Guaranteed Cash Values and non-guaranteed dividends that grow tax-deferred.

  • Non-Forfeiture Benefits — including term or reduced paid-up insurance, if your plans change.

  • Accelerated Death Benefit Rider (with Chronic and Terminal Illness provisions) — available at no additional premium. This rider makes it possible to accelerate a portion of your policy's death benefit if the insured becomes permanently chronically or terminally ill, providing funds at a time when your family might need it most.*

  • Flexibility of Customizing Your Policy — fit your specific needs by adding optional riders and benefits as recommended by your Mutual Trust insurance Representative.

* Administrative and reduction fees are taken at the time of acceleration. See provisions for full rider details.

For more information, contact your Mutual Trust representative.


Base Policy Form No. ICC17 980, or state variation

Mutual Trust, along with its agents and affiliates, are strictly prohibited from providing legal or tax advice. For advice on legal or tax issues, you should consult with an advisor of your choice.

Our Whole Life Products

> Horizon Value

> Horizon Guarantee

> Legacy One

> Economax

> Riders


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Form No. 190